{"id":"https://openalex.org/W7081908381","doi":"https://doi.org/10.5281/zenodo.17130578","title":"LOAN APPS AND FINANCIAL DISTRESS: AN INQUIRY INTO INDIA'S EMERGING CREDIT CRISIS","display_name":"LOAN APPS AND FINANCIAL DISTRESS: AN INQUIRY INTO INDIA'S EMERGING CREDIT CRISIS","publication_year":2025,"publication_date":"2025-09-16","ids":{"openalex":"https://openalex.org/W7081908381","doi":"https://doi.org/10.5281/zenodo.17130578"},"language":"en","primary_location":{"id":"doi:10.5281/zenodo.17130578","doi":"https://doi.org/10.5281/zenodo.17130578","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.17130578","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article-journal"},"volume":null,"type":"article","indexed_in":["datacite"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://doi.org/10.5281/zenodo.17130578","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":null,"display_name":"Rachita Suresh, Iyer","orcid":null,"observed_orcids":[]},"institutions":[{"id":"https://openalex.org/I4210102611","display_name":"ICFAI Business School","ror":"https://ror.org/015v04m58","country_code":"IN","type":"education","lineage":["https://openalex.org/I4210102611"]},{"id":"https://openalex.org/I4210138731","display_name":"ICFAI Foundation for Higher Education","ror":"https://ror.org/04p3pp808","country_code":"IN","type":"education","lineage":["https://openalex.org/I4210138731"]},{"id":"https://openalex.org/I78663439","display_name":"Institute of Chartered Financial Analysts of India","ror":"https://ror.org/022ckte53","country_code":"IN","type":"education","lineage":["https://openalex.org/I78663439"]}],"countries":["IN"],"is_corresponding":true,"raw_author_name":"Rachita Suresh, Iyer","raw_affiliation_strings":["Department of Finance and Accounting, ICFAI Business School, IFHE Hyderabad,  India"],"raw_orcid":null,"affiliations":[{"raw_affiliation_string":"Department of Finance and Accounting, ICFAI Business School, IFHE Hyderabad,  India","institution_ids":["https://openalex.org/I4210102611","https://openalex.org/I4210138731","https://openalex.org/I78663439"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":3,"corresponding_author_ids":[],"corresponding_institution_ids":["https://openalex.org/I4210102611","https://openalex.org/I4210138731","https://openalex.org/I78663439"],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.45582951,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":true,"primary_topic":{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9014000296592712,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.9014000296592712,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10987","display_name":"Microfinance and Financial Inclusion","score":0.07129999995231628,"subfield":{"id":"https://openalex.org/subfields/2002","display_name":"Economics and Econometrics"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.011699999682605267,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/online-lending","display_name":"online lending","score":0.9340000152587891},{"id":"https://openalex.org/keywords/financial-distress","display_name":"financial distress","score":0.9039999842643738},{"id":"https://openalex.org/keywords/credit-crunch","display_name":"credit crunch","score":0.7620000243186951},{"id":"https://openalex.org/keywords/predatory-lending","display_name":"predatory lending","score":0.875},{"id":"https://openalex.org/keywords/financial-regulation","display_name":"financial regulation","score":0.8420000076293945},{"id":"https://openalex.org/keywords/consumer-protection","display_name":"consumer protection","score":0.6159999966621399}],"concepts":[{"id":"https://openalex.org/C2777764128","wikidata":"https://www.wikidata.org/wiki/Q189539","display_name":"Loan","level":2,"score":0.829200029373169},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.6255999803543091},{"id":"https://openalex.org/C10138342","wikidata":"https://www.wikidata.org/wiki/Q43015","display_name":"Finance","level":1,"score":0.5562999844551086},{"id":"https://openalex.org/C165339153","wikidata":"https://www.wikidata.org/wiki/Q7048874","display_name":"Non-conforming loan","level":4,"score":0.5},{"id":"https://openalex.org/C2780665704","wikidata":"https://www.wikidata.org/wiki/Q959298","display_name":"Intervention (counseling)","level":2,"score":0.461899995803833},{"id":"https://openalex.org/C107235782","wikidata":"https://www.wikidata.org/wiki/Q5188121","display_name":"Cross-collateralization","level":4,"score":0.43389999866485596},{"id":"https://openalex.org/C139043278","wikidata":"https://www.wikidata.org/wiki/Q837171","display_name":"Financial services","level":2,"score":0.4260999858379364},{"id":"https://openalex.org/C98045186","wikidata":"https://www.wikidata.org/wiki/Q205663","display_name":"Process (computing)","level":2,"score":0.4133000075817108},{"id":"https://openalex.org/C158502994","wikidata":"https://www.wikidata.org/wiki/Q7702559","display_name":"Term loan","level":5,"score":0.40139999985694885},{"id":"https://openalex.org/C2775924081","wikidata":"https://www.wikidata.org/wiki/Q55608371","display_name":"Control (management)","level":2,"score":0.37310001254081726},{"id":"https://openalex.org/C2778300220","wikidata":"https://www.wikidata.org/wiki/Q114380","display_name":"Financial crisis","level":2,"score":0.36550000309944153},{"id":"https://openalex.org/C2229670","wikidata":"https://www.wikidata.org/wiki/Q13542675","display_name":"Participation loan","level":4,"score":0.34200000762939453},{"id":"https://openalex.org/C158725981","wikidata":"https://www.wikidata.org/wiki/Q2079582","display_name":"Bridge loan","level":4,"score":0.3310999870300293},{"id":"https://openalex.org/C121955636","wikidata":"https://www.wikidata.org/wiki/Q4116214","display_name":"Accounting","level":1,"score":0.32429999113082886},{"id":"https://openalex.org/C71387314","wikidata":"https://www.wikidata.org/wiki/Q494128","display_name":"Non-performing loan","level":3,"score":0.2921000123023987},{"id":"https://openalex.org/C51034333","wikidata":"https://www.wikidata.org/wiki/Q4747796","display_name":"Amortizing loan","level":5,"score":0.27730000019073486},{"id":"https://openalex.org/C2983355114","wikidata":"https://www.wikidata.org/wiki/Q161380","display_name":"Credit card","level":3,"score":0.27720001339912415},{"id":"https://openalex.org/C120527767","wikidata":"https://www.wikidata.org/wiki/Q3196867","display_name":"Debt","level":2,"score":0.27230000495910645},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.26489999890327454},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.25099998712539673}],"mesh":[],"locations_count":2,"locations":[{"id":"doi:10.5281/zenodo.17130578","doi":"https://doi.org/10.5281/zenodo.17130578","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.17130578","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":null,"raw_source_name":null,"raw_type":"article-journal"},{"id":"doi:10.5281/zenodo.17130579","doi":"https://doi.org/10.5281/zenodo.17130579","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.17130579","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":null,"raw_source_name":null,"raw_type":"article-journal"}],"best_oa_location":{"id":"doi:10.5281/zenodo.17130578","doi":"https://doi.org/10.5281/zenodo.17130578","is_oa":true,"landing_page_url":"https://doi.org/10.5281/zenodo.17130578","pdf_url":null,"source":{"id":"https://openalex.org/S4306400562","display_name":"Zenodo (CERN European Organization for Nuclear Research)","issn_l":null,"issn":null,"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I67311998","host_organization_name":"European Organization for Nuclear Research","host_organization_lineage":["https://openalex.org/I67311998"],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":"article-journal"},"sustainable_development_goals":[{"score":0.6601999998092651,"id":"https://metadata.un.org/sdg/16","display_name":"Peace, justice, and strong institutions"}],"sustainable_development_goals_aurora":[],"study_designs":[],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":[],"abstract_inverted_index":{"Digital":[0],"lending":[1,67],"contributed":[2],"to":[3,36,55,65,74,99,125,136,146,175,178],"meeting":[4],"the":[5,18,48,56,78,85,92,103,108,111,119,122,131,148,154,158,163,189,193,199,206,216,223,229,234],"financial":[6,207],"needs":[7],"of":[8,26,50,59,134,152,162,166],"people":[9,60,135],"who":[10,61],"had":[11],"otherwise":[12],"faced":[13],"many":[14,51],"difficulties":[15],"in":[16,21,121,215],"getting":[17],"required":[19],"money":[20],"a":[22,38],"very":[23],"short":[24],"period":[25],"time.":[27],"All":[28],"that":[29,205,222],"comes":[30],"with":[31,130],"ease":[32],"cannot":[33],"be":[34,210],"presumed":[35],"have":[37,62],"happy":[39],"ending.":[40],"Loan":[41],"apps":[42,81,97],"increased":[43],"and":[44,82,101,105,160,172,195,220,227],"created":[45],"havoc.":[46],"In":[47],"wake":[49],"undesirable":[52],"situations":[53],"leading":[54],"suicidal":[57],"deaths":[58],"fallen":[63],"prey":[64],"unscrupulous":[66,89],"through":[68,181],"loan":[69,80,96,115,141,217],"apps,":[70],"this":[71],"paper":[72,144],"tries":[73],"bring":[75],"into":[76],"light":[77],"digital":[79,90,170,182],"their":[83,127],"features,":[84],"factors":[86],"responsible":[87],"for":[88,157],"lending,":[91,171],"mechanism":[93],"adopted":[94],"by":[95,110,192,233],"operators":[98,117],"cheat":[100],"harass":[102],"borrowers,":[104],"finally":[106],"studies":[107],"intervention":[109],"regulatory":[112,123,155,230],"bodies.":[113],"The":[114,184,202],"app":[116],"leveraged":[118],"gaps":[120],"system":[124,165],"override":[126],"business":[128],"coupled":[129],"dire":[132],"need":[133],"raise":[137],"easy":[138],"finance":[139,180],"via":[140],"apps.":[142],"This":[143],"aims":[145],"explore":[147],"RBI":[149,194],"(Reserve":[150],"Bank":[151],"India),":[153],"body":[156],"supervision":[159],"control":[161],"banking":[164],"India,":[167],"guidelines":[168],"on":[169],"provide":[173],"precautions":[174],"whosoever":[176],"wants":[177],"avail":[179],"loans.":[183],"data":[185],"is":[186],"collected":[187],"from":[188,198],"report":[190],"published":[191],"various":[196],"articles":[197],"electronic":[200],"media.":[201],"study":[203],"highlights":[204],"user":[208],"must":[209],"vigilant":[211],"at":[212],"every":[213],"step":[214],"availing":[218],"process":[219,224],"ensure":[221],"happens":[225],"transparently":[226],"within":[228],"ambit":[231],"laid":[232],"RBI.":[235]},"counts_by_year":[],"updated_date":"2026-10-07T09:51:55.459714","created_date":"2025-10-10T00:00:00"}
